Digital Payments Specialist II

Space Coast Credit Union (SCCU) is a not-for-profit financial institution dedicated to serving its members since 1951. As a Digital Payments Specialist II, you will be responsible for ensuring accurate ACH and wire transactions, managing payment disputes, and supporting various digital payment channels.

Responsibilities

• Reviews ACH and Wire daily reporting for correctness and accuracy
• Serves as first escalation point for complex phone queue inquiries
• Reviews and balances daily files downloaded from the Correspondent Banks and the ACH files from Federal Reserve Bank through the third-party ACH application within required service and compliance standards. Generates and processes exception reports
• Reviews and balances daily files downloaded from Third-Party Servicers for all emerging payment channels to include Zelle, RTP, Bill Pay service within compliance standards. Generates and processes exception reports
• Reviews and analyzes the daily returns file for ACH transactions posted against member accounts. Determines pay, pay and charge or no-pay status of exception items. Balance the returns file and transmit the returns file electronically within the regulatory deadlines
• Processes SCCU payroll, benefit and other inter-organizational transfers via digital payment rails
• Receives, verifies, and processes incoming and outgoing Domestic and International wires, outgoing wires up to $1 Million for members and departments through Wire system
• Research and responds to team-member inquiries/requests received through multiple channels within department service standards
• Receives and Processes Payments Disputes (non-fraud) for ACH, Wires, and Emerging Payment channels
• Trains other Payments Specialists, as requested by management, to ensure consistent and uniform understanding of job function
• Reviews digital payment methods for fraudulent activity and reports activity to Fraud Management
• Remains knowledgeable and current in all aspects of Regulation D, Regulation E, Bank Secrecy Act, Money Laundering and OFAC compliance. Additional training and certifications will be completed as required

Skills

• High school diploma, GED or equivalent experience
• 1-3 years of related experience in a financial institution with specific experience in ACH and/or Wire Transfers
• Associates Degree preferred

Benefits

• Health & Wellness: Medical, dental, and vision insurance, plus an Employee Assistance Program.
• Financial Perks: 401(k) match (5%), HSA match, and SCCU-paid insurance (short/long-term disability, life insurance).
• Education Support: Tuition reimbursement after one year of service.
• Generous Time Off: 20+ days of PTO, birthday PTO, and 11 federal holidays.
• Exclusive Discounts: Lower rates on loans, credit cards, and no fee SCCU accounts!

Company Overview